How to best use unexpected financial gift

My mom has given me a financial gift of $7,500 after selling her home so that she can downsize into a more manageable apartment.

I want to use this cash in the most effective way possible, and would love some input from the wise folks here.

About my financial situation: I'm a single mom of three, single income household. I am currently living paycheck to paycheck, working full time and doing transcription on the side to supplement my income. My budget is TIGHT, and I don't currently have any savings, apart from about $40k in a locked in retirement account.

I am in a debt repayment plan to clear three consumer debt accounts, and I have a small outstanding balance on my car loan. Here are the numbers:

Auto Loan: $2,234 remaining, at 7.99%. Biweekly payment of $90 (averages to $200 monthly for easier math).

UNDER DRP (On track for payoff in 4 years at this rate)

Personal Loan balance: $5,703 at 11%. Monthly payment of $167.

Credit Card balance: $7,363 at 0%. Monthly payment of $177.

Home Improvement Loan balance: $6,633 at 0%. Monthly payment of $153.

My inclination is to take $1,500 from this gift amount to sock away for an emergency fund, $500 to catch me up on some payments I've been deferring due to shortfalls in my budget, and then use the remainder to pay off my auto loan and as much of the personal loan as possible (about 2,400 would remain).

This scenario would free up $200 in my monthly budget from the auto loan, and reduce my DRP payoff schedule to 36 months if I keep up the same payments. And it would give me the cushion of a small emergency fund.

I'd love some input on what you would do in my situation. Thanks! 😊